Lower your health plan costs by removing the reason employees skip care
Now available to national accounts in all 50 states. No copays and no deductibles for in-network care. Your people get seen early, and you stop paying for it later. Available through ASO for self-funded employers and other funding options where offered.
The old cost-control playbook can't keep up for large employers.
Employer health costs are projected to climb 9.5% in 2026, past $17,000 per employee, the third year running near double digits. Pharmacy is up about 9%. Across 3,000 people, one point of trend is real money. Employers keep absorbing the increase or passing more of it to employees through higher deductibles and out-of-pocket costs.
Curative was built to lower cost a different way: by making people healthier, not by raising the deductible year after year.
A large-employer plan built to lower cost? No... really.
This is Curative for National Accounts
The health plan engineered to fix the broken playbook
Most big plans cut cost by squeezing members or shrinking networks. Curative removes member cost so care happens earlier, when it costs a fraction of the price.
- Care-first and proactive: We don't wait for claims to show up. Prevention, early engagement, and case management come first, so better health does the cost-cutting.
- Pharmacy that's part of the plan: A smart, biosimilar-first strategy and $0 drug options in every category drive medication adherence and curb runaway specialty drug costs without shortchanging your team
- A network built for value: A high-performing network with national PPO access for a multi-state workforce.
- Data you'll actually use: Modern administration, and AI-enhanced reporting that tells you what to do next instead of handing you another dashboard to log into.
Better access can be a cost strategy
One case, three fronts, all driven by earlier engagement rather than shifting cost onto employees.
Financial
When members engage earlier, expensive claims are prevented rather than just paid, and a leaner, modern platform keeps administrative cost down.
Population health
The Baseline Visit surfaces risk early, and a Care Navigator intervenes before conditions escalate.
Organizational
Straightforward claims and compliance reporting, flexible stop-loss, and client management support from decision, to first day of coverage, and beyond.
Proof, not promises
Proof, not promises
The Baseline Visit identifies 90% of high-cost claimants early.
Over 40% reduction in high-cost claimants in year one.
Curative claims probability distribution skews to lower costs 92.7% less than $10,000.
Integrated pharmacy that improves medication adherence.
- Curative’s Rx PMPM drives 30% lower costs.
- 88% average Curative adherence rate
- 98% of our pharmacy utilization is at $0 copay
One care model. Every funding type.
Choose the funding approach that fits and adjust as needs change. The care model stays constant; the funding flexes.
ASO (self-funded)
The most control and deepest visibility. Most national accounts land here.
Fully insured
One predictable monthly rate. Curative carries the risk.
Level funded
A fixed monthly rate with stop-loss built in, plus a share of remaining claims funds in a healthy year.
Built for the way large employers actually buy
- Multi-state workforce: National PPO access for employees across the country.
- Risk, prevented not just transferred: Stop-loss covers unusually high claims and can be purchased through Curative or secured separately; rest assured that, either way, Curative works to prevent those claims in the first place.
- Compliance support: Guidance for ERISA obligations like ACA reporting and non-discrimination testing.
- A clear path to launch: Implementation and client management support from decision, to first day of coverage, and beyond.
“Rather than separating administration from care, Curative combines the flexibility and transparency employers expect from an ASO model with the same proactive care philosophy that has defined Curative from the beginning.” - Sean Maguire, Curative Chief Growth Officer
Bring Curative to your national account
Tell us about your organization and our team will reach out to talk through funding options and next steps.